Price guarantee methods and systems

1. A computer memory having stored thereon computer-executable instructions that when executed by a system cause the system to perform operations comprising:

monitoring an incentive to purchase an item or service for a predetermined time period after purchase of the item or service by a consumer;

comparing the incentive to transaction information recorded for a consummated transaction related to the purchase of the item or service during the predetermined time period to determine if the incentive was offered as part of the consummated transaction, the transaction information including information identifying a consumer; and

in response to determining that the incentive was not offered as part of the consummated transaction, duplicating the incentive for the consumer after the consummated transaction.

2. The computer memory of claim 1 , wherein the operations further comprise conducting the consummated transaction with a vendor via a host system.

3. The computer memory of claim 1 , wherein the operations further comprise determining a pertinent geographic area for the consummated transaction and limiting the monitoring to incentives available within the pertinent geographic area.

4. The computer memory of claim 1 , wherein the operations further comprise providing a warranty to the consumer.

5. The computer memory of claim 1 , wherein the operations further comprise determining a number of price changes during the predetermined time period and monitoring the sales price of the item or service for a defined number of price changes.

6. The computer memory of claim 1 , wherein the transaction information includes a purchase price for the item or service, and wherein the operations further comprise noting any price lower than the purchase price during the predetermined time period; calculating a money-value difference between the purchase price and said any price lower than the purchase price; and refunding the money-value difference to an account of the consumer.

7. The computer memory of claim 1 , wherein the item or service is purchased by the consumer on-line via a network system.

8. A method comprising:

recording transaction information for a consummated transaction related to a purchase of an item or service at a computer, the transaction information including information identifying a consumer;

monitoring, by the computer, an incentive to purchase the item or service for a predetermined time period after purchase of the item or service by the consumer;

comparing, by the computer, the incentive to the transaction information during the predetermined time period to determine if the incentive was offered as part of the consummated transaction; and

in response to determining that the incentive was not offered as part of the consummated transaction, duplicating, by the computer, the incentive for the consumer after the consummated transaction.

9. The method of claim 8 , further comprising conducting, by the computer, the consummated transaction with a vendor via a host system.

10. The method of claim 8 , further comprising determining, by the computer, a pertinent geographic area for the consummated transaction and limiting the monitoring to incentives available within the pertinent geographic area.

11. The method of claim 8 , further comprising providing a warranty to the consumer.

12. The method of claim 8 , further comprising determining, by the computer, a number of price changes during the predetermined time period and monitoring the sales price of the item or service for a defined number of price changes.

13. The method of claim 8 , wherein the transaction information includes a purchase price for the item or service, and further comprising noting, by the computer, any price lower than the purchase price during the predetermined time period; calculating a money-value difference between the purchase price and said any price lower than the purchase price by the computer; and refunding, by the computer, the money-value difference to an account of the consumer.

14. The method of claim 13 , wherein the account is a retirement account of the consumer.

15. The method of claim 8 , wherein the item or service is purchased by the consumer on-line via a network system.

16. A computer memory having stored thereon computer-executable instructions that when executed by a system cause the system to perform operations comprising:

recording a first price for a consummated transaction on an item or service and information identifying a consumer associated with the consummated transaction;

monitoring the sales price of the item or service for a predetermined time period after purchase of the item or service by the consumer;

noting any price lower than the first price for the item or service during the predetermined time period;

calculating a money-value difference between the first price and said any price lower than the first price;

refunding the money-value difference to an account of the consumer; and

duplicating for the consumer any incentive accompanying sales of the item after the consummated transaction and during the predetermined time period.

17. The computer memory of claim 16 , wherein the operations further comprise conducting the consummated transaction with a vendor via a host system.

18. The computer memory of claim 16 , wherein the operations further comprise determining a pertinent geographic area for the consummated transaction and limiting the monitoring to incentives available within the pertinent geographic area.

19. The computer memory of claim 16 , wherein the operations further comprise providing a warranty to the consumer.

20. The computer memory of claim 16 , wherein the account is a retirement account of the consumer.

21. The computer memory of claim 16 , wherein the operations further comprise determining a number of price changes during the predetermined time period and monitoring the sales price of the item or service for a defined number of price changes.

22. An apparatus comprising

a processor; and

a storage device operably coupled to the processor, the storage device having instructions stored thereon that if executed by the processor cause the apparatus to perform operations comprising

monitoring an incentive to purchase an item or service for a predetermined time period after purchase of the item or service by a consumer;

comparing the incentive to transaction information recorded for a consummated transaction related to the purchase of the item or service during the predetermined time period to determine if the incentive was offered as part of the consummated transaction, the transaction information including information identifying a consumer; and

in response to determining that the incentive was not offered as part of the consummated transaction, duplicating the incentive for the consumer after the consummated transaction.

23. The apparatus of claim 22 , wherein the operations further comprise conducting the consummated transaction with a vendor via a host system.

24. The apparatus of claim 22 , wherein the operations further comprise determining a pertinent geographic area for the consummated transaction and limiting the monitoring to incentives available within the pertinent geographic area.

25. The apparatus of claim 22 , wherein the operations further comprise determining a number of price changes during the predetermined time period and monitoring the sales price of the item or service for a defined number of price changes.

26. The apparatus of claim 22 , wherein the transaction information includes a purchase price for the item or service, and wherein the operations further comprise noting any price lower than the purchase price during the predetermined time period; calculating a money-value difference between the purchase price and said any price lower than the purchase price; and refunding the money-value difference to an account of the consumer.

27. An apparatus comprising

means for monitoring an incentive to purchase an item or service for a predetermined time period after purchase of the item or service by a consumer;

means for comparing the incentive to transaction information recorded for a consummated transaction related to the purchase of the item or service during the predetermined time period to determine if the incentive was offered as part of the consummated transaction, the transaction information including information identifying a consumer; and

means for duplicating the incentive for the consumer after the consummated transaction, wherein the means for duplicating the incentive duplicates the incentive in response to determining that the incentive was not offered as part of the consummated transaction.